iTravelInsured Travel SE

A.M. Best Rating: A
By: IMG, Underwriter: US Fire / SiriusPoint America

iTravelInsured Travel SE (A.M. Best Rating: A) is a comprehensive trip insurance plan that helps protect both your travel investment and your health while away from home. It includes benefits for Trip Cancellation, Trip Interruption, Emergency Medical Expenses, baggage, and other covered travel disruptions. Coverage is available for trips up to 90 days.

iTravelInsured SE does not participate in any PPO network. You can visit any doctor or hospital of your choice.

iTravelInsured Travel SE includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 20 days of the initial trip deposit and being medically able to travel at the time of purchase.

Review the iTravelInsured Travel SE policy documents for complete coverage details, exclusions, and limitations.

Plan Brochure

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Accident & Sickness

Up to $250000

Rental Car Damage

Up to $40000

Cancel for Any Reason Option

Optional add-on

Trip Delay

Up to $125 per day, $2000 maximum

Medical Evacuation

Up to $500000

Baggage & Personal Effects

Up to $1500, $250 per item

Trip Cancellation

Up to 100%

Cancel for Any Reason Option

Optional add-on

Trip Interruption

Up to 150%

Trip Delay

Up to $125 per day, $2000 maximum

Accident & Sickness

Up to $250000

Medical Evacuation

Up to $500000

Rental Car Damage

Up to $40000

Baggage & Personal Effects

Up to $1500, $250 per item

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents or U.S citizens traveling within the U.S and/or internationally
For Age 14 days to 99 years of age
Coverage for a maximum of 90 days
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
Optional Cancel for Any Reason (CFAR) is not available for residents of: NY & WA. CFAR must be purchased within 20 days of initial trip deposit date
Optional Interruption for Any Reason (IFAR) is not available for residents of: NY & WA. IFAR must be purchased within 20 days of initial trip deposit date
Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered

Cancel For Work Reasons

Covered

Interruption For Any Reason

Optional Add-on benefit

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $125 per day, $2,000 maximum

Missed Connection

Up to $500

Emergency Medical Evacuation & Repatriation

Up to $500,000

Cancel For Any Reason

Optional Add-on benefit

Pre-existing Medical

Pre-existing waiver available if purchased within 20 days of initial trip payment

Primary Medical

Covered

Non-Medical Evacuation

Not covered

Accident & Sickness Medical Expense

Up to $250,000

Dental Expense

Up to $1,000

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Sports Equipment Delay

Not covered

Sports Equipment Loss

Not covered

Sports & Activities

Not covered

Telehealth Service

Covered

Baggage & Personal Effects

Up to $1,500, $250 per item

Rental Car Damage

Up to $40,000

Baggage Delay

Up to $250

Accidental Death & Dismemberment

Up to $25,000 for Common Carrier

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

A pre-existing condition coverage waiver is available with the iTravelInsured Travel SE plan if you purchase the plan within 20 days of the initial trip deposit day.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You may cancel the insurance by giving written consent within the first to occur of the following: (a) 10-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

iTravelInsured Travel SE can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.

The iTravelInsured Travel SE plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

iTravelInsured Travel SE will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in iTravelInsured Travel SE plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

iTravelInsured Travel SE has an optional Cancel for Any Reason and Interruption For Any Reason benefit that can be added to a policy at the time of purchase and must be within 20 days of your initial trip payment date. The optional rider offers up to 75% for non-refundable deposits if cancellation or interruption is due to a non-covered reason under the policy. Not available to residents of NY and WA. Please review your policy terms and conditions for a list of exclusions and restrictions.

All options of the plan would cover for the specific covered reasons. Some of these include:

Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
Insured's primary residence or destination uninhabitable
Documented theft of passports/visas
Involved in a merger, job loss, or job relocation
Documented traffic accident
Unannounced strike
Inclement weather that causes cessation of services provided by your common carrier

Please check the brochure for more details.

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.

The telehealth benefit provides 24/7 access to connect with a board-certified medical professional who can help diagnose, treat, and prescribe medications for many non-emergency medical issues over the phone or through online video consultation.

The differences among the plans are mostly the level of coverage. The Lite option offers the most basic coverage, and does not include certain coverages like Pre-existing condition waiver and Cancel for Any Reason. The SE option is the one that provides medium range coverage; the LX option offers the most extensive benefit features and amounts among all the options. You can see the amounts listed in the comparison brochure.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

iTravelInsured Travel SE can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The iTravelInsured Travel SE plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

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How COVID-19 is Covered Under iTravelInsured Travel SE

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

Similar Plans

Trip Protection Choice

Underwriter: US Fire

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $2,500, $250 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $500,000

Medical Evacuation*

Up to $1,000,000

*Pre-existing waiver available if purchased within 20 days of initial trip payment

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

iTravelInsured Travel SE

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other